Cover for damage or injury to third parties caused by your error or negligence. your third-party liability and property damage because of you or your businesses negligence.
Option for VIC plumbers Ministerial Order.
Same day issue of certificate of Currency.
Errors and omissions cover up to $250,000.
Option for type B gas fitting work.
Australia-wide accidental damage full replacement cover for damaged or stolen gear, including lasers, locators, cameras, and other expensive tools.
Can include theft in ‘open air’ of tools on an incomplete site.
Broad cover (not limited to ‘defined events’, such as just fire, or just theft).
Capital lump sum or weekly benefit for up to 104 weeks and up to 90% of income.
24/7 protection. You’re covered at work (reduced by workers compensation) and outside of work.
Can include business expenses.
Specific exclusions for any insurance cover vary depending on your policy. However, there are some general things that many insurance policies typically do not cover. These can include:
Why choose Marsh for your plumbers’ insurance?
You bet. You’re working around water, pipes and fixtures all day. An unsecured pipe or leak can cause significant damage. If that happens because of something you’ve done (or haven’t done) it could mean legal action and the costs associated with that, as well as any damages that result.
Or worse, you could injure yourself or someone else. If you can’t work, your income could dry up, or you could face the stress (and costs) of legal action from another party.
Public liability us an industry standard. This insures you against damage to other people or property, including customers, passersby, or other people on site.
Tools and equipment insurance covers you against having your equipment or tools stolen from either your worksite, out of your van or ute, or if they get damaged.
Personal accident and illness insurance means that if you injure yourself, either while you’re working or enjoying the weekend, or if you’re permanently disabled and can’t work, you can have a weekly benefit reduced by workers compensation for a period of time to meet your financial obligations.
Some insurers will offer you only ‘defined events’ cover, which covers you for only those things you must specify, such as fire or collision damage. There’s often also an exclusion if your tools are stolen from a working site, unless they are locked away on that site.
This cover is different. It offers you full damage, full replacement Australia-wide cover, including water damage and theft in open air cover. So, if you leave your tools on a working site and they are stolen, you can be covered. It can also cover your expensive equipment, like your lasers and locators.
If you provide advice or design services to your clients, we strongly recommend you may want to considering professional indemnity insurance.
Professional indemnity insurance can cover your business for allegations of negligence involving a breach of professional duty. This is typically excluded under public liability insurance.
The cost of your cover depends on a variety of factors: the amount and type of cover you need, the size of your business and type of work you do. The fastest way to find out how much it might cost is to get an online quote.
Marsh Advantage Insurance Pty Ltd (ABN 31 081 358 303, AFSL 238369) (“Marsh”) arranges the general insurance (i.e. not the Discretionary Trust Arrangement) and is not the insurer. This page contains general information and does not take into account your individual objectives, financial situation or needs. For full details of the terms, conditions and limitations of the covers, refer to the specific policy wordings and/or Product Disclosure Statements available from Marsh on request. Marsh makes no representation or warranty concerning the application of policy wordings or the financial condition or solvency of insurers or re-insurers. Marsh makes no assurances regarding the availability, cost, or terms of insurance coverage. Any statements concerning actuarial, tax, accounting, or legal matters are based solely on our experience as insurance brokers and risk consultants and are not to be relied upon as actuarial, accounting, tax, or legal advice, for which you should consult your own professional advisors. The Discretionary Trust Arrangement is issued by the Trustee, JLT Group Services Pty Ltd (ABN 26 004 485 214, AFSL 417964) (“JGS”). Any advice or dealing in relation to the Discretionary Trust Arrangement is provided by JLT Risk Solutions Pty Ltd (ABN 69 009 098 864, AFSL 226 827) (“JLT”). JGS and JLT are businesses of Marsh McLennan. The cover provided by the Discretionary Trust Arrangement is subject to the Trustee’s discretion and/or the relevant policy terms, conditions and exclusions.
The Personal Accident and Sickness covers are arranged by AFA Pty Ltd (ABN 83 067 084 333, AFSL 247122). The General and Products Liability and General Property covers are underwritten by Zurich Australian Insurance Ltd (ABN 13 000 296 640, AFSL 232507).
The Master Plumbers and Mechanical Services Association of Australia receives a financial benefit when an insurance policy is arranged by Marsh.
LCPA 25/128
